Based upon the assumptions contained in this analysis, by owning your own building, you would: (1) save $234,177 in payments over the initial five years, (2) pay down $148,594 on the mortgage, (3) lock in your long term occupancy costs, and (4) get $180,426 in value appreciation based on a 3.00% annual appreciation. This represents a total benefit, AFTER deducting your initial 20% down payment, of $336,637 over just the initial five years.